Travel insurance - Undervalued lost/stolen property

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Based on resolver’s experience to date, travel insurance normally covers you up to a certain limit for lost or stolen baggage and belongings - it is advisable to buy a policy that offers coverage of at least £1,500 for these problems, should they arise. As well as a limit for lost and stolen belongings, many travel insurance policies will limit what you can claim for individual valuable items. The maximum that most companies will pay out is between £200 and £500 per item – bear this in mind when packing items to take with you on holiday. Travel insurance policies also tend to limit the amount you can claim for lost and stolen cash and travellers’ cheques. Often the maximum is between £200 and £500, so check the terms and conditions of your policy and refrain from carrying too much currency around with you. If you have home contents insurance you may want to check if you have items covered away from home and claim for loss this way, but again check your policy carefully as some may have exclusions depending on where your personal effects were stored. If you disagree with your insurer you should contact them to obtain their customer service address and write giving clear details of your case - such as what happened, when, and why you think you think the proposed payout is inaccurate. Their customer services team should assure you that they will contact you within a timeframe with an update regarding your dispute. You should set out your estimate of the damages and evidence as much of it as possible with quotes and receipts. As a last resort you can contact the Ombudsman, which will act as a mediator in your case. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

 

 

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